CN107146158A - A kind of electronic data processing method and device - Google Patents

A kind of electronic data processing method and device Download PDF

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Publication number
CN107146158A
CN107146158A CN201610116004.5A CN201610116004A CN107146158A CN 107146158 A CN107146158 A CN 107146158A CN 201610116004 A CN201610116004 A CN 201610116004A CN 107146158 A CN107146158 A CN 107146158A
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CN
China
Prior art keywords
user
financing
financing scheme
scheme
account balance
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Granted
Application number
CN201610116004.5A
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Chinese (zh)
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CN107146158B (en
Inventor
陈凡
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Advanced New Technologies Co Ltd
Advantageous New Technologies Co Ltd
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Alibaba Group Holding Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Priority to CN201610116004.5A priority Critical patent/CN107146158B/en
Priority to CN202010752742.5A priority patent/CN111899110A/en
Publication of CN107146158A publication Critical patent/CN107146158A/en
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Publication of CN107146158B publication Critical patent/CN107146158B/en
Active legal-status Critical Current
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06Asset management; Financial planning or analysis
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce
    • G06Q30/06Buying, selling or leasing transactions
    • G06Q30/0601Electronic shopping [e-shopping]
    • G06Q30/0613Third-party assisted

Abstract

The application is related to Internet technical field, more particularly to a kind of electronic data processing method and device, to realize automatic treasury management services' function, reduces platform processes burden, saves Internet resources.The electronic data processing method that the embodiment of the present application is provided includes:Server determines account balance and history balance data of the user in e-commerce platform;It is user's generation financing scheme, and the financing scheme of generation is pushed to the client of user according to the user of determination in the account balance and history balance data of e-commerce platform;Client receives the financing scheme of the server push, and financing scheme is shown at foreground interface.The application can automatically generate financing scheme, reduce the situation that user asks platform to carry out financing transfer because financing is unreasonable, and then reduce platform processes burden, saving Internet resources.

Description

A kind of electronic data processing method and device
Technical field
The application is related to Internet technical field, more particularly to a kind of electronic data processing method and device.
Background technology
It is enterprise or the personal platform for providing online transaction negotiation that e-commerce platform, which is one,.At present, electronics The service range of business platform is more and more extensive, in addition to it can provide the user internet business service, also expands The payment function of payment platform is opened up.With developing rapidly for Internet information technique, increasing user Like idle money being deposited into the account of payment platform, in order to carry out Zhi Fuyu expenditures at any time, here Fund be to be presented on spreadsheet format in user account.
At present, payment platform can provide the user financial function, and user can select oneself to need on platform The finance product wanted.However, user is when in face of different finance products, generally can not be according to existing account Family remaining sum selects rational financing scheme.If user have selected irrational financing scheme, such as user adopts Regular finance product is bought with a part for account balance, remaining part has bought current finance product, worked as hair When not daily enough the expenditure of the amount of money of existing current financing is consumed, part can only be transferred the possession of in advance to payment platform request fixed Term financing product, can thus increase the processing load of payment platform, waste Internet resources.
Still it can automatically provide treasury management services for user without any payment platform in the prior art.
The content of the invention
The embodiment of the present application provides a kind of electronic data processing method, to realize automatic treasury management services' work( Can, platform processes burden is reduced, Internet resources are saved.
The embodiment of the present application provides a kind of electronic data processing method, including:
Server determines account balance and history balance data of the user in e-commerce platform;
The server is received according to the user of determination in the account balance and history of e-commerce platform Branch data, are user generation financing scheme, and the financing scheme of generation is pushed to the visitor of the user Family end;
The client receives the financing scheme of the server push, and by the financing scheme on foreground circle Face is shown.
Alternatively, the financing scheme is shown by the client at foreground interface, including:
On foreground the financing scheme information of at least one way to manage money of interface display, display confirm and cancel press Button, and editting function is provided, the financing scheme information is confirmed so as to the user, cancel or Modification;At least one way to manage money includes current and managed money matters and/or periodically financing.
Alternatively, methods described can also include:
In the user to being changed after the financing amount of money of foreground interface display confirms, or in the user The complete financing amount of money in foreground interface display and after being confirmed, shows that specific finance product is believed to user Breath, so that user is selected.
Alternatively, the server according to the user of determination in the account balance of e-commerce platform and History balance data, is user's generation financing scheme, including:
If the account balance of the user is less than given threshold, for user generation current financing scheme;
If the account balance of the user is more than or equal to given threshold, for user generation current financing Scheme and periodically financing scheme.
The embodiment of the present application provides a kind of electronic data processing method, including:
Server determines account balance and history balance data of the user in e-commerce platform;
It is institute according to the user of determination in the account balance and history balance data of e-commerce platform User's generation financing scheme is stated, and the financing scheme of generation is pushed to the client of the user.
Another embodiment of the application provides a kind of electronic data processing method, including:
User end to server sends financing scheme and obtains request;
The financing scheme of the server push is received, and the financing scheme is subjected to exhibition at foreground interface Show.
The embodiment of the present application provides a kind of electronic data processing system, and the system includes server and client side, Wherein:
The server determines account balance and history balance data of the user in e-commerce platform, according to The user determined, in the account balance and history balance data of e-commerce platform, is user's life Into financing scheme, and the financing scheme of generation is pushed to the client of the user;
The client receives the financing scheme of the server push, and by the financing scheme on foreground circle Face is shown.
The embodiment of the present application provides a kind of electronic data processing equipment, including:
Determining module, for determining account balance and history balance data of the user in e-commerce platform;
Send processing module, for the user according to determination in the account balance of e-commerce platform and History balance data, is user's generation financing scheme, and the financing scheme of generation is pushed into the use The client at family.
Another embodiment of the application provides a kind of electronic data processing equipment, including:
Sending module, request is obtained for sending financing scheme to server;
Receive display module, the financing scheme for receiving the server push, and by the financing scheme It is shown at foreground interface.
The embodiment of the present application can combine account balance and history revenue and expenditure number of the user in e-commerce platform According to, be user generation financing scheme.Here, the history balance data based on user can predict user's future The income branch artificial situation of a period of time, so that rationally being designed for user can be lived in total account balance The amount of money of term financing and the amount of money periodically managed money matters.So, user can adopt what the application was automatically generated Financing scheme is managed money matters.Further, since the e-commerce platform of the embodiment of the present application can provide the user compared with For rational financing scheme, platform is asked to be managed money matters because financing scheme is unreasonable so as to reduce user The situation of transfer, and then platform processes burden is reduced, save Internet resources.
Brief description of the drawings
The electronic data processing method flow chart that Fig. 1 provides for the embodiment of the present application,
Fig. 2 is in one of schematic diagram of foreground interface display financing scheme;
Fig. 3 is the two of the schematic diagram of foreground interface display financing scheme;
The electronic data processing system structural representation that Fig. 4 provides for the embodiment of the present application;
The electronic data processing equipment structural representation that Fig. 5 provides for the embodiment of the present application;
The electronic data processing equipment structural representation that Fig. 6 provides for another embodiment of the application.
Embodiment
The embodiment of the present application is described in further detail with reference to Figure of description.
As shown in figure 1, the electronic data processing method flow chart provided for the embodiment of the present application, including it is following Step:
S101:User end to server initiates financing scheme and obtains request.
Here, the client can refer to the client of e-commerce platform, and the server can refer to electronics The server of business platform.E-commerce platform in the embodiment of the present application includes payment platform, except this it Outside, can also including shopping platform etc. service platform.User can be in e-commerce platform payment platform Login account, and idle money was stored in the account, payment platform, which is removed, can provide the user payment services Outside, treasury management services can also be provided the user.
In specific implementation, automatic treasury management services' button can be provided in client, after user clicks on, User end to server initiates financing scheme and obtains request.
S102:Server determines account balance and history balance data of the user in e-commerce platform.
Here, server is obtained from database and used after the financing scheme for receiving client obtains request Account balance and history balance data of the family in e-commerce platform.Here account balance is that user exists The fund that e-commerce platform can be used.
User the history balance data of e-commerce platform be included in payment platform Historical revenue data and History pays data.Specifically, for payment platform, the Historical revenue data can include financing income The data such as the amount of money and time, the amount of money for income of transferring accounts and time, history expenditure data include expenditure of transferring accounts The data such as the amount of money and time.For shopping platform, the Historical revenue data can include transferring accounts income (such as Sell income obtained by article) the amount of money and the data such as time, history expenditure data are included in shopping platform The data such as spending amount, consumption time.
S103:Server according to the user of determination e-commerce platform account balance and history revenue and expenditure number According to generating financing scheme for the user, and the financing scheme of generation is pushed to the client of the user.
In specific implementation, if the account balance of user is less than given threshold, it can be determined for user using work The way to manage money of term financing;If the account balance of user is more than or equal to given threshold, true for the user Surely by the way of current financing scheme and regular financing scheme are combined.
Such as, if the account balance of user is M, if M<D (given threshold), then automatically generate current Financing scheme, can specifically advise user by the input current financing of whole account balances.If M >=D, give birth to Survive two kinds of term financing scheme and regular financing scheme.
Alternatively, as a kind of embodiment, if M >=D, current financing can be generated according to following steps Scheme and periodically financing scheme:
A), according to the user of determination e-commerce platform history balance data, and user credit etc. Level, the amount of money of current financing is determined for the user;Wherein it is determined that the current financing the amount of money be less than or wait In the account balance;
B), according to the user of determination e-commerce platform account balance, and for the user determine work The amount of money of term financing, the amount of money for determining periodically to manage money matters for the user.
Such as, in a), first according to user in nearest preset time period (such as nearest one month) History balance data, the Fitting Calculation user interior daily net disbursement amount of money (daily branch at following one week Go out the amount of money and subtract amount received, if difference is negative value, 0) the net disbursement amount of money of this day be designated as, will be daily The net disbursement amount of money be added be used as the net disbursement amount of money m1 in following one week.Rolling average can specifically be passed through Mode be fitted, such as will be added in the daily net disbursement amount of money of 2015-2-1~2015-2-7 as not Carry out the 2015-2-8 net disbursement amount of money, make being added in the net disbursement amount of money daily 2015-2-2~2015-2-8 Net disbursement amount of money for following 2015-2-9 etc..
The credit score of all users is divided into N (N is the integer more than 2) individual grade, the user is calculated Credit score where credit grade L, it is assumed here that credit grade is higher, correspondence credit score it is higher, such as L ∈ 1%, 2% ..., 10%, then m1 × (1+L) be less than or equal to account balance size bar Under part, the amount of money that m1 in user account remaining sum × (1+L) amount of money is managed money matters as the current of recommendation.If The size that obtained m1 × (1+L) is more than account balance is calculated, then the amount of money size for the current financing recommended Equal to the size of account balance.
In b), it is assumed that account balance is M, then the amount of money size for the regular finance product recommended to user For M-m1 × (1+L).
S104:The financing scheme that client the reception server is pushed, and the financing scheme is entered at foreground interface Row displaying.
In specific implementation, client can at least one way to manage money of foreground interface display financing scheme The button that information, display confirm and cancelled, and editting function is provided, so that user is believed the financing scheme Breath is confirmed, cancelled or changed;At least one way to manage money includes current and manages money matters and/or periodically manage Wealth.The financing scheme information can include the financing amount of money, one in the financing time limit and finance product information etc. Plant or a variety of.As shown in Fig. 2 be the button of managed money matters in foreground the interface display amount of money, display confirmation and cancellation, And the schematic diagram of editting function is provided.As shown in figure 3, except manage money matters the amount of money in addition to, can also show finance product, The financing such as financing time limit scheme information, can also allow user's input specific to the financing gold of every kind of finance product The information such as volume.
Alternatively, gold of being managed money matters in financing scheme can also be only shown in the page is recommended in the financing that first time is presented Volume information, in user to having been changed after the financing amount of money of foreground interface display confirms, or in user The financing amount of money of foreground interface display and after being confirmed, specific finance product and financing phase are shown to user The information such as limit, so that user is selected.
Here, can be according to different periodically finance products specifically when determining periodically financing scheme for user Earning rate, the order successively decreased according to earning rate arranges the regular finance product pushed;Or, it is fixed according to difference In the financing time limit of term financing product, arrange what is pushed according to the order of financing time limit from long to short or from short to long Regular finance product.
The embodiment of the present application can combine account balance and history revenue and expenditure number of the user in e-commerce platform According to, be user generation financing scheme.Because the history balance data based on user can predict user's future one The income branch artificial situation of section time, and financing side can rationally be designed for user based on the income branch artificial situation Case.Because e-commerce platform can provide the user relatively reasonable financing scheme, so as to reduce use Family because financing scheme is unreasonable ask platform carry out financing transfer situation, and then reduce platform processes bear Load, saves Internet resources.
Based on same inventive concept, a kind of and electronic data processing method pair is additionally provided in the embodiment of the present application The electronic data processing system and device answered, because the principle and the application of the system and device solution problem are real Apply that an electronic data processing method is similar, therefore the implementation of the system and device may refer to the implementation of method, Part is repeated to repeat no more.
As shown in figure 4, the electronic data processing system 40 provided for the embodiment of the present application, the system 40 is wrapped Server 41 and client 42 are included, wherein:
The server 41 determines account balance and history balance data of the user in e-commerce platform, It is user's life according to the user of determination in the account balance and history balance data of e-commerce platform Into financing scheme, and the financing scheme of generation is pushed to the client of the user;
The client 42 receives the financing scheme of the server push, and by the financing scheme preceding Platform interface is shown.
Alternatively, the client 42 specifically for:
The button that the financing amount of money of at least one way to manage money of interface display, display confirm and cancelled on foreground, And editting function is provided, so that the user is confirmed, cancelled or changed to the financing amount of money;Institute At least one way to manage money is stated to manage money matters including current and/or periodically financing.
Alternatively, the client 42 is additionally operable to:
In the user to being changed after the financing amount of money of foreground interface display confirms, or in the user The complete financing amount of money in foreground interface display and after being confirmed, shows that specific finance product is believed to user Breath, so that user is selected.
Alternatively, the server 41 specifically for:
If the account balance of the user is less than given threshold, for user generation current financing scheme; If the account balance of the user is more than or equal to given threshold, for user generation current financing scheme With regular financing scheme.
In the electronic data processing system that the embodiment of the present application is provided, server can combine user in electronics business The account balance and history balance data of business platform, are user's generation financing scheme.Due to based on user's History balance data can predict the income branch artificial situation of user's following a period of time, and based on income expenditure Situation can rationally design financing scheme for user.More closed because e-commerce platform can be provided the user The financing scheme of reason, asks platform to carry out financing transfer so as to reduce user because financing scheme is unreasonable Situation, reduce platform processes burden, save Internet resources.
As shown in figure 5, the electronic data processing equipment 50 provided for the embodiment of the present application, including:
Determining module 51, for determining account balance and history revenue and expenditure number of the user in e-commerce platform According to;
Processing module 52, for the user according to determination to be in the account balance of e-commerce platform and goes through History balance data, is user's generation financing scheme, and the financing scheme of generation is pushed into the user Client.
Alternatively, processing module 52 specifically for:
If the account balance of the user is less than given threshold, for user generation current financing scheme; If the account balance of the user is more than or equal to given threshold, for user generation current financing scheme With regular financing scheme.
As shown in fig. 6, the electronic data processing equipment 60 provided for another embodiment of the application, including:
Sending module 61, request is obtained for sending financing scheme to server;
Display module 62, the financing scheme for receiving the server push, and the financing scheme is existed Foreground interface is shown.
Alternatively, display module 62 specifically for:
The button that the financing amount of money of at least one way to manage money of interface display, display confirm and cancelled on foreground, And editting function is provided, so that the user is confirmed, cancelled or changed to the financing amount of money;Institute At least one way to manage money is stated to manage money matters including current and/or periodically financing.
Alternatively, display module 62 is additionally operable to:
In the user to being changed after the financing amount of money of foreground interface display confirms, or in the user The complete financing amount of money in foreground interface display and after being confirmed, shows that specific finance product is believed to user Breath, so that user is selected.
It should be understood by those skilled in the art that, embodiments herein can be provided as method, system or meter Calculation machine program product.Therefore, the application can be using complete hardware embodiment, complete software embodiment or knot The form of embodiment in terms of conjunction software and hardware.Wherein wrapped one or more moreover, the application can be used Containing computer usable program code computer-usable storage medium (include but is not limited to magnetic disk storage, CD-ROM, optical memory etc.) on the form of computer program product implemented.
The application is produced with reference to according to the method for the embodiment of the present application, device (system) and computer program The flow chart and/or block diagram of product is described.It should be understood that can by computer program instructions implementation process figure and / or each flow and/or square frame in block diagram and the flow in flow chart and/or block diagram and/ Or the combination of square frame.These computer program instructions can be provided to all-purpose computer, special-purpose computer, insertion Formula processor or the processor of other programmable data processing devices are to produce a machine so that pass through and calculate The instruction of the computing device of machine or other programmable data processing devices is produced for realizing in flow chart one The device for the function of being specified in individual flow or multiple flows and/or one square frame of block diagram or multiple square frames.
These computer program instructions, which may be alternatively stored in, can guide computer or the processing of other programmable datas to set In the standby computer-readable memory worked in a specific way so that be stored in the computer-readable memory Instruction produce include the manufacture of command device, the command device realization in one flow or multiple of flow chart The function of being specified in one square frame of flow and/or block diagram or multiple square frames.
These computer program instructions can be also loaded into computer or other programmable data processing devices, made Obtain and perform series of operation steps on computer or other programmable devices to produce computer implemented place Reason, so that the instruction performed on computer or other programmable devices is provided for realizing in flow chart one The step of function of being specified in flow or multiple flows and/or one square frame of block diagram or multiple square frames.
Although having been described for the preferred embodiment of the application, those skilled in the art once know base This creative concept, then can make other change and modification to these embodiments.So, appended right will Ask and be intended to be construed to include preferred embodiment and fall into having altered and changing for the application scope.
Obviously, those skilled in the art can carry out various changes and modification without departing from this Shen to the application Spirit and scope please.So, if these modifications and variations of the application belong to the application claim and Within the scope of its equivalent technologies, then the application is also intended to comprising including these changes and modification.

Claims (10)

1. a kind of electronic data processing method, it is characterised in that this method includes:
Server determines account balance and history balance data of the user in e-commerce platform;
The server is received according to the user of determination in the account balance and history of e-commerce platform Branch data, are user generation financing scheme, and the financing scheme of generation is pushed to the visitor of the user Family end;
The client receives the financing scheme of the server push, and by the financing scheme on foreground circle Face is shown.
2. the method as described in claim 1, it is characterised in that the client is by the financing scheme It is shown at foreground interface, including:
On foreground the financing scheme information of at least one way to manage money of interface display, display confirm and cancel press Button, and editting function is provided, the financing scheme information is confirmed so as to the user, cancel or Modification;At least one way to manage money includes current and managed money matters and/or periodically financing.
3. method as claimed in claim 1 or 2, it is characterised in that the server is according to determination The user, in the account balance and history balance data of e-commerce platform, is user's generation financing Scheme, including:
If the account balance of the user is less than given threshold, for user generation current financing scheme;
If the account balance of the user is more than or equal to given threshold, for user generation current financing Scheme and periodically financing scheme.
4. a kind of electronic data processing method, it is characterised in that this method includes:
Server determines account balance and history balance data of the user in e-commerce platform;
It is institute according to the user of determination in the account balance and history balance data of e-commerce platform User's generation financing scheme is stated, and the financing scheme of generation is pushed to the client of the user.
5. a kind of electronic data processing method, it is characterised in that this method includes:
User end to server sends financing scheme and obtains request;
The financing scheme of the server push is received, and the financing scheme is subjected to exhibition at foreground interface Show.
6. a kind of electronic data processing system, it is characterised in that the system includes server and client side, Wherein:
The server determines account balance and history balance data of the user in e-commerce platform, according to The user determined, in the account balance and history balance data of e-commerce platform, is user's life Into financing scheme, and the financing scheme of generation is pushed to the client of the user;
The client receives the financing scheme of the server push, and by the financing scheme on foreground circle Face is shown.
7. system as claimed in claim 6, it is characterised in that the client specifically for:
On foreground the financing scheme information of at least one way to manage money of interface display, display confirm and cancel press Button, and editting function is provided, the financing scheme information is confirmed so as to the user, cancel or Modification;At least one way to manage money includes current and managed money matters and/or periodically financing.
8. system as claimed in claims 6 or 7, it is characterised in that the server specifically for:
If the account balance of the user is less than given threshold, for user generation current financing scheme; If the account balance of the user is more than or equal to given threshold, for user generation current financing scheme With regular financing scheme.
9. a kind of electronic data processing equipment, it is characterised in that the device includes:
Determining module, for determining account balance and history balance data of the user in e-commerce platform;
Processing module, for the user according to determination e-commerce platform account balance and history Balance data, is user's generation financing scheme, and the financing scheme of generation is pushed into the user's Client.
10. a kind of electronic data processing equipment, it is characterised in that the device includes:
Sending module, request is obtained for sending financing scheme to server;
Display module, the financing scheme for receiving the server push, and by the financing scheme preceding Platform interface is shown.
CN201610116004.5A 2016-03-01 2016-03-01 Electronic data processing method and device Active CN107146158B (en)

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CN107871282A (en) * 2017-11-29 2018-04-03 上海壹账通金融科技有限公司 Finance product purchasing method, device, equipment and readable storage medium storing program for executing
WO2019104874A1 (en) * 2017-11-29 2019-06-06 深圳壹账通智能科技有限公司 Financial product purchasing method, apparatus and device, and readable storage medium
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CN108460676A (en) * 2018-02-10 2018-08-28 张宇 Borrow or lend money implementation method, terminal and the computer readable storage medium of service
CN110473109A (en) * 2018-05-11 2019-11-19 腾讯科技(深圳)有限公司 Processing method, device, computer-readable medium and the electronic equipment of resource data
CN110473109B (en) * 2018-05-11 2022-10-28 腾讯科技(深圳)有限公司 Resource data processing method and device, computer readable medium and electronic equipment
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